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A great thing to focus on, instead of interest rates, is what you can comfortably afford as a monthly payment every month. That's the most important part in the long run despite interest rates you are saving money owning a home. If you're a numbers person and or need further explanation, email or call. I work with several lenders that can give you really easy breakdown of costs, savings and what excactly you can work with. 

Another thing to look at is once you buy a home, there are several ways to lower the prinicple and interest rate down the road. 

Just remember, renting is great for short term, but you are paying someone else mortgage and gaining equity in a home for someone else. Buying your own home appreciates and builds equity for you and is a more stable investment than the stock market!

Good news! Some lenders will work with a score as low as 580 with an FHA or VA loan and with 1st time home buyer deals! So the score isn't everything. There's several factors involved. Several lenders will even put you on the path to fix your financial situation to successfully buy a house.